Mazen Ismaeel, Hoger Mahmud, Adulsalam Abdulla, Ako Abubakr,. “E-Payment: Prospects, Challenges and Solutions in KRG Public Sector”. International Journal of Engineering and Computer Science 4, no. 09 (September 28, 2015). Accessed November 23, 2024. http://ijecs.in/index.php/ijecs/article/view/3102.